A qualified mortgage must not have negative amortization, interest-only payments or a balloon payment (subject to limited exceptions), must have a loan term of 30 years or less, and must keep points and fees within the percentage-of-loan-amount caps the rule sets on a sliding scale by loan size; a qualified mortgage priced below the rule's APR-to-average-prime-offer-rate threshold receives a safe harbor from ability-to-repay liability, and one priced above it (but within the high-cost thresholds) receives a rebuttable presumption of compliance (12 CFR 1026.43(e)).
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